OAKDALE CREDIT UNION (EIN 396049985) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1953

Legal Domicile

Principal Officer

COLLEEN WOGGON

Phone

6083723939

Tax Period

2023-01-01 to 2023-12-31

OAKDALE CREDIT UNION, founded in 1953, is a community nonprofit that reported $5.5M in total revenue in fiscal year 2023. Revenue surged 35% from the prior year, signaling strong growth momentum. The organization ran a surplus of $2.0M, a strong 37% operating margin.

Mission

TO ENHANCE THE FINANCIAL LIVES OF OUR MEMBERS

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $3,862,720

Investment Income $1,662,619

Other Revenue $1,440

TOTAL REVENUE $5,526,779

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,271,314

Fundraising Expenses $0

Other Expenses $2,058,974

TOTAL EXPENSES $3,498,359

Year-over-Year Comparison

	2023	2022	Change
Revenue	$5,526,779	$4,086,946	+0.4%
Expenses	$3,498,359	$3,128,400	+0.1%
Net Income	$2,028,420	$958,546	+1.1%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

N/A

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$161,951

Total Directors

$14,310

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROSE BARTHOLOMEW	BOARD MEMBER	1.00	Director	$2,260	$0	$2,260
STEPHEN DAY	BOARD MEMBER	1.00	Director	$2,040	$0	$2,040
LORI LOWE	BOARD MEMBER	1.00	Director	$1,820	$0	$1,820
JENNIFER LAURSEN	SECRETARY	1.00	Officer Director	$1,915	$0	$1,915
TERRY TIBER	VICE CHAIR	1.00	Officer Director	$1,690	$0	$1,690
BRUCE ARDELT	CHAIRMAN	1.00	Officer Director	$2,315	$0	$2,315
PATRICK REZIN	TREASURER	1.00	Officer Director	$2,270	$0	$2,270
COLLEEN WOGGON	CEO	42.00	Officer	$129,877	$23,884	$153,761

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$5,526,779	$3,498,359	$110,426,337	$2,028,420
2022	$4,086,946	$3,128,400	$111,546,664	$958,546
2021	$3,400,522	$3,007,642	$109,168,352	$392,880
2020	$3,600,951	$2,966,263	$92,826,060	$634,688
2019	$3,688,580	$2,845,053	$71,434,859	$843,527
2018	$3,528,493	$2,763,475	$68,979,714	$765,018

OAKDALE CREDIT UNION